Ripple CEO Brad Garlinghouse expresses excitement following the launch of the Gemini XRP Card.
Garlinghouse joined members of the XRP community to celebrate the launch of a special XRP edition Gemini Credit Card.
The card, which launched yesterday, allows users to earn up to 4% back in XRP on everyday purchases, such as rideshare, fuel, transit, and electric vehicle recharging.
Ripple CEO Reacts
Reacting to the development, Ripple’s CEO expressed amazement at the launch of the first-ever XRP rewards credit card. Celebrating the milestone, he remarked, ‘What a time to be alive, XRP family…’
Garlinghouse’s remark highlights how phenomenal it is that an XRP reward credit card has debuted, something that seemed unthinkable a few years ago.
He encouraged his followers to use the Gemini credit card for everyday purchases and earn up to 4% back in XRP rewards. The tweet was accompanied by photos of Garlinghouse holding the credit card, with an XRP-branded cap visible on the table.
An XRP rewards credit card out in the world?! What a time to be alive, XRP family…
Use the special edition @Gemini card for everyday purchases, and earn up to 4% XRP back. https://t.co/arz9v68S0Z pic.twitter.com/ck5KgKlaZK
— Brad Garlinghouse (@bgarlinghouse) August 25, 2025
Garlinghouse Gets the Whale Limit on His Card
Interestingly, Garlinghouse’s post caught the attention of Gemini’s co-founder Tyler Winklevoss, who offered him the “whale limit” on his XRP credit card.
This suggests that Garlinghouse will receive the card’s highest daily spending limit. Tyler humorously stated that he learned that Garlinghouse was suited for the offer.
For context, the XRP credit card was developed following a partnership among Ripple, Gemini, WebBank, and Mastercard. At the moment, the card is only available to users in the United States.
New users, particularly those who were approved on June 30, will get a welcome bonus of $200 in XRP. However, only those who spend a minimum of $3,000 within their first 90 days will be eligible for the welcome offer.
The welcome bonus and other XRP rewards relating to the credit card will be distributed directly to users’ Gemini accounts. Once distributed, users can choose to withdraw, trade, or hold the XRP tokens within the exchange.
Gemini Highlights XRP Growth
Meanwhile, Gemini suggested that users could see the value of their XRP rewards skyrocket tremendously if they choose to hold their tokens.
It referenced how Gemini Credit Card users who earned XRP rewards between October 8, 2021, and July 27, 2024, and held them through July 27, 2025, saw their holdings appreciate by more than 450%, following a tremendous spike in the asset’s price.
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